TD Insurance Home Insurance Reviews

Waiting on the line for 35 min just to get a barely speaking agent to drop the phone while transferring to a manager. No calls back of course

TD Employees are trained to only say "I'm sorry" without offering anything else to customers, like myself, who after 18 years of paying claims was bounced around from incompetent agent to agent. Even when I reached their Customer Care department, and assured I would no longer have to wait WEEKS for a response, I waited WEEKS between each call. If you like being placed on holds, never getting an agent to pick up the phone, your emails ignored and the most frustrating claims adjusters, this is the company for you. I have never been treated worse or spent so much time trying to get a claim resolved like I have with TD. I am moving all my business elsewhere.

Every time at renewal time, the rates increase so I have to phone in to ask for an explanation. The guy said there is something wrong with the system and will call me back, 3 days now and he hasn't called me back. 2 years in a row now that they did that and nobody calls you back. I have to call in again and the wait time is stupidly long.
FYI, Ask the questions and they will help you reduce the rates back.

Absolutely horrible Customer Service, I have been trying to resolve an issue since Feb. 17th 2021 and today it's March 2nd 2021 and I have been calling everyday to clear up yearly payment for my unit. Everytime a new rep. comes on he/she has no idea what the problem is and where my payment went, even though my bank statement shows it's been paid to TD Ins. But the Staff have *NO Idea where it went. Like come on TD you can do better than this. No one answers your phones this silly music played on for 27 mins. till I finally had to hang up. The worst customer service - Ever!

Please stay away from this insurance company. I had a quote of 800 dollars per year. I talked to the agent on the phone and said I would like to pay the full price in advance. But he set everything up for monthly payments. My credit card got renewed and they couldn’t get the payments. I wasn’t aware of that. They never called me. But they say that they called me two times and have it on file. Anyway, they cancelled my insurance and send me a letter. I got it a couple of days after the insurance was cancelled. I tried to call them and spent for a couple of days hours and hours in their waiting line. I am talking about two hours per day!!! Could not get a hold of them. After I finally talked to somebody and asked them to pay the outstanding balance and get insurance again they refused and hung up. I couldn’t even pay the outstanding balance. Before I could get coverage with another company I had to get back to them and spent some more hours on the phone. They gave me a bad score and now I can’t get any insurance under 2600!!! Because I am considered a bad customer because of their bad score on my file. I was trying to save some money. Got a lot of trouble and now I have to pay more than double what I used to pay before!!! Stay away! Save yourself big trouble!!! Poor customer service.

Do not even consider insuring your valuables with TD (Meloche Monnex). We have called the 'Customer Service' line for 4 days with no response! 1st day: on hold 1.5 hours, 2nd day: 3.5 hours, 3rd day: 4 hours, today: 1/2 hours. We still have not talked with them! They do not respond to emails either. We used Registered Mail to cancel our policy today and WILL NEVER have business with TD again EVER! We have been paying dues for 26 years with no claims. I feel so used.

We moved to a much smaller less valuable house and my insurance went from 148 a month to 353 a month, and they could not tell me why. One agent said, "maybe it is your location"? I have tried to get through to TD as well - I have been on hold for 1.5 hours now and have still not spoken to anyone. Marvellous customer service for sure...

We have to pay late fees when TD is at Fault! We tried to call for weeks and we had to wait for weeks not knowing if our policy is renewed and then when they finally call, they were rude and condescending and totally take no responsibility for their actions and simply blame the whole incident conveniently on Covid-19, this is totally deplorable that TD would use that as an excuse for their mess and poor service, in face TD poor service proceeds the pandemic!

I have been a customer for 40 years. Like someone else said on here they now provide an extremely poor service level. I sold my home and tried to cancel online. It gives me a confirmation number but the 2 people I spoke to at TD couldn't see it after I waited 1 hour on hold. I called 2 previous times over the past 5 days and hung up after about 35 minutes. After all this, they want to charge me a cancellation fee? Do they think I should pay a premium on a house I do not own anymore?

Old web systems, old IVR phone prompt & holds systems,
... and a 2 hr 30 min hold time, then somehow routed to the wrong province and had to wait another 15 min!!!

I'm switching once I have some free time.